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Volume : II, Issue : XI, December - 2012 MANAGEMENT OF NON-PERFORMING ASSETS: A CASE STUDY OF KALLAPPANNA AWADE JANAT ASAHAKARI BANK LTD., ICHALKARANJI MANZIL MAKBUL MUJAWAR AND P.B. PATIL Published By : Laxmi Book Publication Abstract : Efficient recovery management is a sine qua non for survival of banking
institutions. The banks must be able get their money back in stipulated time, which they
disburse as loans and advances to the clients. Now a day , in operational sense the
efficient recovery performance may be considered as the single pointer of successful
loan operations of the bank. In fact, phenomenon of overdue loans has created a serious
problem of Non-Performing Assets (NP A) for the banker . There are a number of factors
which give rise to the recovery problem. It is, ther efore, utmost important for the bank to
strictly monitor it's NP A and keep it at lowest level, in order to keep itself away fr om the
thr eat of sanctions by RBI.
In short, as the NP A drains the profitability and endangers the very existence of
the bank, the management of the bank has to take genuine inter est in monitoring the loan
operations and ther eby NP A. The norms suggested by RBI in connection with the
disbursement recovery have to be followed rigorously to avoid undesirable
consequences of NP A.
In the present paper , an attempt is made to understand how efficiently the NP A has
been managed by Kallappanna A wade Janata Sahakari Bank Ltd., Ichalkaranj during
period under observation. Keywords : Article : Cite This Article : MANZIL MAKBUL MUJAWAR AND P.B. PATIL, (2012). MANAGEMENT OF NON-PERFORMING ASSETS: A CASE STUDY OF KALLAPPANNA AWADE JANAT ASAHAKARI BANK LTD., ICHALKARANJI. Indian Streams Research Journal, Vol. II, Issue. XI, http://oldisrj.lbp.world/UploadedData/1819.pdf References : - The Professional Banker, ICF AI University Press, Punjagutta, Hyderabad (V arious Issues)
- Rathi, Gokul, B. and Sandhane, Mrs. Smita M. (2002): “Non-Performing Assets- A Practical Handbook” Tanvi Publications, Pune,
- Shekhar and Shekhar, (1999) “Banking: Theory and Practice”, Vikas Publishing House Private limited, New Delhi.
- Sood,R.K.(2001)“Non-Performing Assets in Public Sector Banks: An Analysis of Causes and Solutions thereof,” IBA Bulletin,XXIII (7),16-21
- Ramaswamy S, (2008) “Indian Banking- Management of NP As-Part-I” The Accounting World, January ,ICF AI University Press, Punjagutta, Hyderabad.
- Shivpuje, C.R.,and Kaveri, V .S., (1997) “ Management of Non-Performing Advances” Sultan Chand and Sons Publications
- Annual Reports of Kallappanna Awade Janata Sahakari Bank Ltd. Ichalkaranji (2005-2010) Office records and financial data of of Kallappanna A wade Janata Sahakari Bank Ltd. Ichalkaranji
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